Still Confused about EMV and Online Versus Offline? Read This…
Over a year ago, I wrote about the challenges facing the US payments market as we migrate to EMV with regard to offline PIN validation and transaction authorization. A lot has happened in the last 15 months. Clearly, online PIN authentication and online transaction authorization will be predominantly used in the U.S., given that the online infrastructure is so pervasive in the U.S. today.
